life, health, unforeseen losses, expenses or property of the Insured (the Insured person) depending on the insured risk.
Insurance of expenses under Programme A related to the provision of assistance (assistance) to persons,
who got into a difficult situation while travelling abroad of Ukraine includes:
.
- payment (compensation) for the cost of medical care and treatment in outpatient
examinations to the extent necessary to establish the diagnosis; medical consultations.
In this case, if the cost of treatment exceeds UAH 5000, the Insured (the Insured person)
shall agree1 (coordinate) the expenses with the Assistance Company and/or the Insurer in writing
before the start of treatment. If the expenses have not been agreed upon in writing with the Assistance Company and/or
the Insurer, the Insurer shall be liable only within the limit of UAH 5000;
.
- payment (compensation) for the cost of emergency dental care, namely
namely: dental examination; X-ray examination; removal
or filling of teeth with temporary fillings, which are all together or
separately are caused by acute inflammation of the soft tissues of the tooth and/or
adjacent tissues, or a jaw injury caused by an
an accident, except for caries treatment;
.
- arranging (if possible) and payment (compensation) of the cost of the complex of services
related to transportation and medical support of the Insured
(the Insured person) undergoing inpatient treatment,
from abroad to the medical institution closest to the place of permanent or predominant residence or place of registration
or predominant place of residence or place of registration, provided that there are medical
indications of the need for further inpatient treatment. Medical evacuation
of the Insured (the Insured person) shall be carried out only upon written consent of
Assistance Company and/or Insurer regardless of the amount of such expenses. The Insurer
shall not indemnify for the costs of continuing treatment and rehabilitation of the Insured
(the Insured person) after his/her return to the place of permanent or predominant
residence or place of registration. If a doctor authorised by the Insurer considers that
evacuation of the Insured (the Insured person) is possible, and the Insured (the Insured person)
refuses to do so, the Insurer shall immediately stop paying the cost of treatment of the Insured
(the Insured person);
Written agreement (consent) shall mean sending to the Assistance Company and/or the Insurer a notice of treatment and a treatment estimate by Internet, fax or other means of electronic information transmission and receiving written consent (guarantee) from the Assistance Company and/or the Insurer in the same way.
Insurance of expenses under Programme B related to the provision of assistance (assistance)
to persons who find themselves in a difficult situation while travelling abroad in Ukraine:
1.
1. payment (compensation) for ambulance (emergency) assistance at the place of call, primary
diagnostic measures, provision of medical care with the use of medicines in
necessary for the Insured's (the Insured person's) condition;
2.
2. payment (compensation) for the cost of medical care and treatment in
outpatient treatment; examination to the extent necessary for
diagnosis; medical consultations. At the same time, if the cost of
of treatment exceeds UAH 5000, the Insured (the Insured person)
shall agree1 (reconcile) the expenses in writing with the Assistance Company
and/or Insurer before the start of treatment. If the expenses have not been agreed in writing
with the Assistance Company and/or Insurer, the Insurer shall be liable only within the limit of UAH 5000;
3.
3. payment of the cost of services related to inpatient treatment, i.e.: consultations
doctors' consultations, diagnostics, treatment, emergency surgery, medication
medical support, stay in standard wards, meals according to the standards
accepted in a given medical institution. The Insurer shall pay the cost of treatment abroad
abroad within the limits of its liability (sum insured) established by these terms and conditions.
only until the Insured's (the Insured person's) health condition allows for evacuation,
according to the doctor's decision, will allow to evacuate him/her to the permanent or predominant place of residence
or place of registration. In this case, if the cost of treatment exceeds UAH 5000
The Insured (the Insured person) shall agree (coordinate) the expenses in writing
with the Assistance Company and/or the Insurer before the start of treatment. If the expenses have not been
agreed in writing with the Assistance Company and/or the Insurer, the Insurer shall be liable
exclusively within the limit of UAH 5000;
4.
4. payment (compensation) for the cost of medicines intended for emergency treatment
or reimbursement of expenses in case of self-purchase in a pharmacy
of medicines prescribed by a doctor;
5.
5. payment (compensation) for the cost of emergency dental care, namely:
dental examination; X-ray examination; removal or filling of teeth with temporary fillings
of teeth with temporary fillings, which together or separately are caused by acute
inflammation of the soft tissues of the tooth and/or adjacent tissues, or jaw
injury caused by an accident, except for caries treatment;
6.
6. payment (compensation) for the cost of transport services by land transport
of the Insured (the Insured person) to a medical institution, if the state of
health condition of the Insured (the Insured person) does not allow to move
independently, in particular, but not exclusively in case of injuries, high temperature;
7.
7. payment (compensation) of expenses for continuation of treatment of the Insured (the Insured person) in
in a hospital for up to 15 days after the expiry of the insurance contract,
if it is necessary for medical reasons. In this case, the costs of medical evacuation
are not covered. If the cost of treatment exceeds UAH 5000
The Insured (the Insured person) shall agree in writing on the following
expenses with the Assistance Company and/or the Insurer before the start of treatment1.
If the expenses have not been agreed upon in writing with the Assistance Company and/or the Insurer,
the Insurer shall be liable only within the limit of UAH 5000;
8.
8. organisation (if possible) and payment (compensation) of the cost of the complex of services,
related to transportation and medical support of the Insured (the Insured person),
who is undergoing inpatient treatment, from abroad to the medical institution closest to
to the place of permanent or predominant residence or place of registration, provided that
medical evidence of the need for further inpatient treatment. Medical evacuation
of the Insured (the Insured person) shall be carried out only upon written consent of the Assistance
Company and/or Insurer regardless of the amount of such expenses. The Insurer shall not indemnify for the following expenses
for continuation of treatment and rehabilitation of the Insured (the Insured person) after his/her return
to the place of permanent or predominant residence or place of registration. If a doctor authorised by
Insurer considers that evacuation of the Insured (the Insured person) is possible and the Insured
(the Insured person) refuses to do so, the Insurer shall immediately stop paying the cost of services for
treatment of the Insured (the Insured person);
9.
9. organisation (if possible) and payment of the cost of a set of services for transporting the body
(repatriation) of the Insured (the Insured person) to the place of permanent or predominant
place of residence or place of registration, except for transportation of the deceased Insured's (Insured person's) ashes
(the Insured person) after cremation. If local regulations require that the body is transported in a coffin, the Insurer shall arrange for
coffin, the Insurer shall arrange and pay for the purchase of such coffin. A prerequisite for
organisation of repatriation is provision by relatives of the deceased Insured (the Insured person) of
a written application confirming their readiness to collect the coffin. Repatriation of the body of the Insured
(the Insured person) shall be repatriated only upon written consent of the Insurer regardless of
of the amount of such expenses;
10.
10. payment (compensation) of the cost of services for burial of the Insured's (the Insured person's) body
at the place of death. The Insured's (the Insured person's) body shall be buried only upon
written consent of the Insurer regardless of the amount of such expenses;
11.
11. indemnification for telephone services of the Insured (the Insured person) or a person
or a person representing his/her interests with the Insurer regarding notification of an insured event;
12.
12. payment (compensation) of the cost of medical care for sunburn, allergic dermatitis
of any origin;
13.
13. payment (compensation) for the cost of emergency medical care in case of exacerbations of chronic diseases.
In this case, if the cost of treatment exceeds UAH 5000, the Insured (the Insured person)
shall agree (coordinate) the expenses with the Assistance Company and/or the Insurer in writing before
the start of treatment. If the expenses have not been agreed upon in writing with the Assistance Company and/or
Insurer, the Insurer shall be liable only within the limit of UAH 5000;
14.
14. payment (compensation) for the cost of emergency gynaecological care during pregnancy not exceeding 31 weeks
exceeding 31 weeks;
15.
15. payment (compensation) for the cost of medical expenses in case of premature birth. The case will be
will be recognised as an insured event only if preterm labour began at a gestational age of
of pregnancy is not more than 31 weeks. In this case, the Insurer shall pay (indemnify) the following
medical expenses for outpatient and/or inpatient care, as well as medical and transport
expenses for transporting the Insured (the Insured person) to a medical institution within the
within the limit of liability specified in the individual part of the insurance contract;
16.
16. payment (compensation) for the cost of medical care for a newborn in case of premature birth, if it
began at a gestational age of no more than 31 weeks. In this case, the Insurer shall pay (indemnify)
Necessary medical expenses for outpatient and/or inpatient care, as well as medical and transport
expenses within the limit of liability specified in the individual part of the insurance contract;
17.
17. payment (compensation) for the cost of medical care for diseases or injuries caused by
or in the state of alcohol intoxication (except for posthumous repatriation). In this case, the Insurer shall
indemnifies medical expenses for emergency medical care necessary to
preventing an immediate threat to life or health, or expenses related to
acute pain relief.
18.
18. payment (compensation) for the cost of emergency medical care,
provided in case of injuries or illnesses caused by terrorist acts,
acts of war and natural disasters, including posthumous repatriation. In this case,
if the cost of treatment exceeds UAH 5000, the Insured (the Insured person)
shall agree (coordinate) the expenses in writing with the Assistance Company and/or
Insurer prior to treatment. If the expenses have not been agreed in writing with the
the Assistance Company and/or the Insurer, the Insurer shall be liable
only within the limit of UAH 5000. Medical evacuation and posthumous repatriation
require written approval;
19.
19. indemnity for expenses for payment of fixation means prescribed by a doctor
in case of injuries. Fixation devices within the meaning of this clause include only
crutches, orthoses, bandages and tutors;
20.
20. indemnity for the cost of transportation of the Insured (the Insured person)
immediately after completion of inpatient treatment, by economy class to
to the place of permanent or predominant residence or place of registration in
Ukraine after the expiry of the insurance contract, if the Insured
missed his/her flight due to inpatient treatment. In this case
medical evacuation is not covered;
21.
21. compensation for hotel accommodation costs of one Insured's companion
(the Insured person) at the place of travel for a period not exceeding 5 days, if the Insured
(the Insured person) is on inpatient treatment for more than 5 days after the end of
of the insurance contract;
22.
22. reimbursement of expenses for early return by economy class to the place of permanent or primary residence or place of registration
or predominant place of residence or place of registration, if necessary, accompaniment of children
of the Insured (the Insured person) under the age of 16 in case of hospitalisation or
death of the Insured (the Insured person) at the place of travel;
23.
23. payment of expenses for search and rescue of the Insured (the Insured person) as a result of
accident in the mountains, at sea, in the forest or other remote areas inclusive
transportation costs, including by helicopter, from the place of accident to a medical institution,
provided that civilian services and organisations are allowed to such places and that such expenses are
are agreed upon in writing with the Insurer.
Written agreement (consent) shall mean sending to the Assistance Company and/or the Insurer a notice of treatment and a treatment estimate by means of the Internet, fax or other means of electronic information transmission and receiving written consent (guarantee) from the Assistance Company and/or the Insurer in the same way.
Insurance of expenses under Programme C related to the provision of assistance (assistance)
to persons who got into a difficult situation while travelling abroad in Ukraine includes:
1.
1. payment (compensation) for ambulance (emergency) assistance at the place of call, primary
diagnostic measures, provision of medical care with the use of medicines in
necessary for the Insured's (the Insured person's) condition;
2.
2. payment (compensation) for the cost of medical care and treatment in
outpatient treatment; examination to the extent necessary to establish
diagnosis; medical consultations. At the same time, if the cost of treatment exceeds UAH 5000
UAH, the Insured (the Insured person) shall agree in writing1 (coordinate)
the expenses with the Assistance Company and/or the Insurer before the start of treatment. If the expenses have not
agreed in writing with the Assistance Company and/or the Insurer, the Insurer shall be liable
exclusively within the limit of UAH 5000;
3.
3. payment of the cost of services related to inpatient treatment, i.e,
diagnostics, treatment, urgent surgery, medication,
stay in standard wards, meals in accordance with the norms adopted by the
medical institution. The Insurer shall pay the cost of treatment abroad within the limits of its
liability (sum insured) established by these insurance terms and conditions only
until the time when the Insured's (the Insured person's) health condition
according to the doctor's decision, will allow to evacuate him/her to the permanent or predominant
place of residence or place of registration. In this case, if the cost of treatment exceeds
UAH 5,000, the Insured (the Insured person) shall agree in writing
expenses with the Assistance Company and/or the Insurer before the start of treatment. If the expenses have not
have not been agreed upon in writing with the Assistance Company and/or the Insurer, the Insurer shall be
liability only within the limit of UAH 5000;
4.
4. payment (compensation) for the cost of medicines prescribed for emergency treatment,
or reimbursement of expenses in case of independent purchase of medicines prescribed by a doctor in a pharmacy;
5.
5. payment (compensation) for the cost of emergency dental care, namely: dental
examination; X-ray examination; removal or filling of teeth with temporary fillings,
which together or separately are caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues
or jaw injury caused by an accident, except for caries treatment;
6.
6. payment (compensation) of the cost of services for transporting the Insured (the Insured person) by land transport
(the Insured person) to a medical institution, if the health condition of the Insured (the Insured person)
does not allow moving independently, in particular, but not exclusively in case of injuries, high temperature;
7.
7. payment (compensation) of expenses for continuation of treatment of the Insured (the Insured person) in
in a hospital for up to 15 days after the expiry of the insurance contract, if it is
necessary for medical reasons. In this case, the costs of medical evacuation shall not be covered.
In this case, if the cost of treatment exceeds UAH 5000, the Insured (the Insured person)
shall agree (coordinate) the expenses with the Assistance Company and/or the Insurer in writing before
the start of treatment1. If the expenses have not been agreed upon in writing with the Assistance Company and/or
Insurer, the Insurer shall be liable only in the amount of UAH 5000;
8.
8. organisation (if possible) and payment (compensation) of the cost of the complex of services,
related to transportation and medical support of the Insured (the Insured person),
who is undergoing inpatient treatment, from abroad to a medical institution
closest to the place of permanent or predominant residence or place of registration, provided that
provided there are medical indications of the need for further inpatient treatment.
Medical evacuation of the Insured (the Insured person) shall be carried out only upon written
written consent of the Assistance Company and/or the Insurer, regardless of the amount of such expenses.
The Insurer shall not indemnify for the costs of continuing treatment and rehabilitation of the Insured
(the Insured person) after his/her return to the place of permanent or predominant residence
or place of registration. If a doctor authorised by the Insurer considers that evacuation of the Insured
(the Insured) is possible, and the Insured (the Insured person) refuses to do so,
The Insurer shall immediately stop paying for the cost of treatment of the Insured (the Insured person);
9.
9. organisation (if possible) and payment of the cost of a set of services for transporting the body (repatriation)
of the Insured (the Insured person) to the place of permanent or predominant residence or place of
place of permanent or predominant residence or place of registration, except for transportation of the deceased Insured's (the Insured person's) ashes
after cremation. If local regulations require that the body is transported in a coffin, the Insurer shall
organises and pays for the purchase of such a coffin. A prerequisite for arranging repatriation
is that the relatives of the deceased Insured (the Insured person) provide a written confirmation statement
about their readiness to pick up the body. The body of the Insured (the Insured person) shall be repatriated
only upon written consent of the Insurer regardless of the amount of such expenses;
10.
10. payment (compensation) of the cost of services for burial of the Insured's (the Insured person's) body at the
place of death. The Insured's (the Insured person's) body shall be buried only upon
written consent of the Insurer regardless of the amount of such expenses;
11.
11. compensation for the cost of telephone services of the Insured (the Insured person)
or a person representing his/her interests with the Insurer regarding notification of an insured event;
12.
12. compensation of expenses for transportation of the Insured's (the Insured person's) car, which was used for travelling and became unusable
which was used for travelling and which became unsuitable for further operation due to
sudden technical breakdown or road traffic accident (RTA), to the nearest service station.
maintenance station (service station). Insurance terms and conditions under this clause shall apply only to
Insured (the Insured persons) travelling by their own technically sound car,
whose service life is not more than 5 years (determined from the date of issue).
13.
13. reimbursement of travel costs for the driver and passengers who are the Insured and/or the Insured
persons under the terms and conditions of the insurance contract to the place of permanent or predominant residence or
place of registration if the car they are travelling in is stolen or
damaged as a result of an accident and its further operation is impossible. The cost of
economy class travel by regular public transport, except for air and taxi.
Insurance terms and conditions under this clause shall apply only to the Insured (the Insured persons)
travelling by their own technically sound passenger car, the service life of which is not more than
5 years (determined from the date of issue);
14.
14. compensation of expenses for elimination of sudden technical breakdown or damage as a result of an accident of a passenger car
of the Insured's (the Insured person's) car used for travelling, or the cost of
temporary storage in a guarded car park, if it cannot be repaired. Conditions
of insurance under this clause shall apply only to the Insured (the Insured person)
who are travelling by their own technically sound passenger car, the service life of which is not more than
more than 5 years (determined from the date of issue);
15.
15. reimbursement of expenses for engaging a lawyer to protect the rights of the Insured (the Insured person)
during administrative or court proceedings to protect the rights of the Insured (the Insured person)
after an accident that occurred with his/her participation.
Written consent (approval) shall mean sending to the Assistance Company and/or Insurer a notice of treatment and a treatment estimate by Internet, fax or other means of electronic information transmission and receiving written consent (guarantee) from the Assistance Company and/or Insurer in the same way.
Insurance against an accident while travelling in the territory of Ukraine includes:
Baggage insurance includes the fact of incurring by the Insured (the Insured person)
losses caused by damage, destruction or loss of baggage.
.
In addition to the risks under class 18 and 1, it is possible to insure the option ‘Active rest’, which includes insurance cover during sports (including winter sports), cycling, mopeds, quad bikes, etc.
Insurance contracts shall not be concluded in respect of the following persons:
.
● individuals aged over 80 years (except in cases of individual agreement with the Insurer)
● citizens of other countries, except for the Insurer
● Citizens of countries other than Ukraine
● legally recognised as incapacitated;
● persons declared incapacitated by law
When insuring persons aged 65 years and older, extra charges are applied.
Insurance contract for risks under class 18 related to travelling by private car
shall apply only to the Insured (the Insured person) travelling
by their own technically sound car, the service life of which is not more than
5 years (determined from the date of issue).
Insurance coverage is not valid:
.
- on the territories of Ukraine where active hostilities are conducted;
.
- in the area where a state of emergency or a threat of natural disaster has been officially declared,
unless otherwise specified in the insurance terms and conditions;
The insurance contract for risks under class 7 may be concluded for a period not exceeding 30 days.
If a longer term is determined, the insurance cover shall be valid for the first 30 days from
the date of commencement of the insurance term (period).
The Contract in terms of insurance of risks under the 7th class (baggage) does not apply to:
.
- fur products, jewellery, printing devices, cinema, photo, video equipment, laptops, mobile
mobile phones, etc. and any accessories to them;
.
- items of religious worship;
.
spare parts - any components, parts, parts and accessories for vehicles, mechanisms,
electronic equipment, etc.
The minimum and maximum sum insured for this insurance product may be as follows:
For class 18: UAH 50,000 or 100,000 or 500,000
For class 1: UAH 5,000 or 10,000 or 50,000
For class 7: UAH 5,000 or 10,000
The sum insured is specified in the individual part of the insurance contract.
In case of insurance of several persons, the specified sum insured for each class shall be the sum insured separately for each of the Insured persons.
Upon occurrence of insured events, the sum insured shall be reduced by the amount of insurance payments made by the Insurer. If the amount of money paid or claimed for payment reaches the level of the sum insured specified in the individual part of the insurance contract, the insurance contract shall terminate in full or for a separate insurance product.
The limit of liability for class 18.1 shall be determined as a percentage of the sum insured or as a fixed amount in hryvnia, depending on the insurance risk, and shall be specified in the individual part of the insurance contract (if applicable).
When choosing programme A of class 18 and other insurance classes:
The minimum and maximum insurance tariff per person is 0.02% per day and 15.84%, respectively.
The minimum and maximum insurance premium per person is UAH 11 per day and UAH 88,695 per year.
When choosing the B class programme18 and other insurance classes:
The minimum and maximum insurance premium per person is 0.03% and 21.71%, respectively.
The minimum and maximum insurance premium per person is UAH 16 per day and UAH 121545 per year.
When choosing the C class18 programme and other insurance classes:
The minimum and maximum insurance premium per person is 0.025% and 17.92% respectively.
The minimum and maximum insurance premium per person is UAH 13.50 per day and UAH 98,550 per year..
An unconditional deductible and a time deductible can be applied
The territory of insurance coverage is indicated in the individual part of the
of the insurance contract as the geographical area of Ukraine.
At the same time, the insurance contract concluded on these terms and conditions is not valid on:
.
- territories of Ukraine, where active hostilities are conducted;
Beginning and end of the contract validity period
1.
1. The insurance contract must be concluded before the start of the trip, i.e. before departure from the permanent or predominant place of residence (place of registration);
2. the term (or period) of insurance and number of insured days shall be chosen by the Insured independently;
3. if the insurance contract is concluded before the start of the Insured's (the Insured person's) trip, the earliest date of commencement of the insurance term (period) may be 00 hours 00 minutes of the next day following the date of concluding the insurance contract or be a later date. In this case, the insurance cover and the number of insured days shall commence on the day specified as the beginning of the insurance term (period) (on the date that is later), but not earlier than the moment of payment of the insurance premium.
4. in case of concluding the insurance contract while the Insured (the Insured person) is travelling, the Insured shall take into account that the insurance contract shall be concluded two days before the desired date of commencement of the insurance term (period)
If the start of the insurance period chosen by the Insured is earlier than specified in the first part of this clause, in order to avoid fraudulent actions, the insurance cover shall come into force 48 hours after the date specified as the start of the insurance period, which shall start from the next day specified as the start of the insurance period. At the same time, the costs of medical services provided in connection with the accident will be covered taking into account the following
- medical services were provided starting from the next day of the date indicated as the beginning of the insurance period;
- the accident occurred not earlier than the date and time of the insurance contract and the day specified as the beginning of the insurance period;
- the insurance premium has been paid in full.
The period of the time deductible shall be included in the total term of the contract. All events and services occurring or provided during the time deductible period, except for the provision of services described in this clause in connection with an accident, shall not be considered insured and shall not be covered;
If the requirements for concluding the contract and determining the beginning of the insurance period set out in part one of this clause are met, the insurance coverage and counting of the number of insured events shall begin on the date specified as the beginning of the insurance period
5. Insurance cover shall end at the moment of return of the Insured (the Insured person) to
permanent (predominant) place of residence (place of registration) or at 24 hours by
Kyiv time of the day specified as the end of the insurance term (period) with
obligatory taking into account the time deductible and the number of insured days (by the date that came earlier).
The minimum number of insured days can be 3
Maximum - 365 days.
For risks of class 1:
.
The insurance contract shall commence from the moment of boarding the vehicle by the Insured (the Insured person) at the point of travel start indicated in the ticket, etc. but not before the beginning of the insurance period indicated in the individual part of the insurance contract and payment of the insurance premium, and shall end at the final travel point indicated in the travel service contract or upon disembarkation from the vehicle in Ukraine or expiry of the insurance period with obligatory consideration of the number of insured days (on the date that has occurred before the expiry of the insurance period).
The minimum number of insured days can be 3
Maximum - 365 days.
For risks of class 7:
.
The contract starts from the moment of baggage transfer under the responsibility of the carrier, but not earlier than the date specified in the individual part of the insurance contract as the beginning of the insurance period and payment of the insurance premium. The contract shall expire upon receipt of the baggage from the carrier, but not later than the end of the insurance period specified in the individual part of the insurance contract (taking into account the number of insured days)
The minimum number of insured days can be 3.
The maximum is 30 days.
The Insurer shall not pay or indemnify for the cost of treatment and services related to the following diseases and events:
.
- treatment of chronic diseases (unless otherwise provided by the insurance programme chosen by the Insured), congenital anomalies (malformations), deformations and chromosomal disorders, autoimmune diseases, gallstone, urolithiasis, and related complications (gallbladder empyema, renal hydronephrosis, etc.), even if they manifested periodically or were detected for the first time. At the same time, acute pain relief until the condition is stabilised is covered, except for surgical intervention;
- neoplasms (including oncological diseases), diseases of the endocrine system, diabetes mellitus, even if they were detected for the first time;
- Nervous diseases (except for neuritis), neuroses (panic attacks, hysterical states, depression, etc.), mental diseases and disorders, as well as traumatic injuries related to them;
- venereal diseases, immunodeficiency, AIDS;
- diseases of the blood and haematopoietic organs;
- epidemic and pandemic diseases;
- testing for COVID-19 at the request of the Insured (the Insured person) without a referral from the attending physician if the result is negative;
- acute and chronic radiation sickness;
- medical care during pregnancy (except for ectopic pregnancy) and childbirth, if the person is not insured under Programme B;
- any health disorders, complications or death resulting from failure to follow the recommendations of the attending physician, side effects of medicines not prescribed by a physician, and side effects of food additives;
- diseases or consequences (complications) of viral hepatitis, tuberculosis;
- diseases and disorders of the hearing organs, except for acute hearing diseases. Expenses related to earwax rinsing (sulphur plugs, water ingress, etc.) are not covered;
- eye diseases associated with improper contact lens care and allergic conjunctivitis;
- fungal and dermatological diseases, as well as allergic dermatitis of any origin, first and second degree sunburns, unless otherwise provided by the insurance programme chosen by the Insured;
- insect bites, stings of jellyfish, seaweed
- injuries or illnesses that occurred before the start of the insurance period, on the day or before the conclusion of the insurance contract and/or on the territory of the permanent or domicile or place of registration, even if they were first detected, which resulted in medical or additional expenses during the trip, as well as illnesses that occurred after the Insured (the Insured person) returns from the trip;
- Injuries or diseases, medical expenses incurred during the period of time deductible;
- further treatment of the Insured (the Insured person) if he/she refuses medical evacuation to the place of permanent or predominant residence or place of registration. The Parties agree that a telephone recording of a conversation between the Insured (the Insured person) or his/her relatives and the Assistance Company or the Insurer regarding refusal of medical evacuation shall be deemed to be equivalent to a written refusal and may be used by the Insurer as evidence in case of disputes;
- medical examination that is not a result of acute pain, sudden illness or bodily injury; provision of services that are not reasonably necessary or urgent from a medical point of view (including control examinations by a doctor); examination (consultation) by a doctor that results in no treatment being prescribed or is not included in the treatment prescribed by a doctor; provision of special services such as a separate room, telephone, TV, etc;
- services and treatment that can be postponed until the return from the trip, including surgical operations that can be replaced by a course of conservative treatment before the end of the trip, etc;
- high-tech manipulations and operations, in particular but not exclusively on the heart and blood vessels, including angiography, coronary angiography, angioplasty, bypass surgery, stenting, installation of an artificial pacemaker, as well as plastic surgery on joints and ligaments, including atroscopic diagnostic and surgical interventions, etc;
- diagnostic services: consultations, laboratory tests and other measures not prescribed by a doctor and/or the Assistance Company as necessary to establish a diagnosis for the purpose of further treatment;
- preventive vaccinations;
- medical examinations and laboratory tests not related to the insured event;
- all types of plastic and cosmetic surgeries and procedures, all types of prosthetics, organ transplantation;
- dental treatment, except as specified in the insurance programme;\.
- physiotherapy, rehabilitation treatment and treatment by non-traditional methods;
- therapeutic rest, sanatorium and health resort treatment, as well as spa treatments;
- purchase or repair of auxiliary aids (such as pacemakers, glasses, contact lenses, hearing aids, inhalers, prostheses, crutches, wheelchairs, measuring devices, bandages, tutors, etc.), means for metal osteosynthesis (pins, screws, plates, pins and similar materials), purchase of general health products, hygiene products, baby food, unless otherwise provided by the terms and conditions of the insurance programme chosen by the Insured;
- artificial insemination, infertility treatment, measures to prevent pregnancy;
- treatment of alcoholism, drug addiction, etc., including treatment of withdrawal symptoms;
- medical evacuation, repatriation, burial at the place of travel, rescue operations organised without written consent (approval) from the Assistance Company and/or Insurer regardless of the amount of expenses;
- expenses when the trip was made with the intention to receive medical treatment;
- Self-treatment, as well as treatment performed by spouse, parents or children;
- the need for individual care, patronage, security,
- expenses for accommodation (except if such grounds are provided for in the insurance terms and conditions), food, etc. including during self-isolation, quarantine, observation, etc., as well as during outpatient treatment;
- expenses for continuation of treatment of the Insured (the Insured person) after his/her return from a trip to the place of permanent or temporary stay (residence), as well as expenses covered by social, health insurance and other provision shall not be indemnified;
- expenses in the amount of more than UAH 5000 for which prior written approval (coordination) with the Assistance Company and/or Insurer is required and such approval (coordination) has not been made shall not be indemnified;
- purchase of food, drinks, decorative cosmetics, jewellery, etc;
- moral damage;
- transportation of the urn with the ashes of the deceased Insured (the Insured person);
- events stipulated by the programme C related to travelling by own car, the service life of which is more than 5 years;
- other events and cases specified in these terms and conditions or applicable law;
- other events, services provided and/or expenses that are not included in the insurance programme chosen by the Insured or occurred before or after the end of the insurance period or not in the territory of the agreement
- diseases that are not the result of an accident of the Insured (the Insured person) (except for tetanus, rabies, encephalitis transmitted by tick bites);
- medical rest, rehabilitation, sanatorium and health treatment, as well as spa procedures;
- an accident caused by a disease resulting from a mental reaction to military events, internal disturbances, a terrorist act, an air crash or fears related to such events;
- an accident caused by chronic or mental illnesses, even if they manifest themselves periodically;
- insurance of persons over the established age limit;
- Injuries or illnesses resulting from an accident that occurred as a result of a road traffic
including when using a car, bicycle, motorcycle, moped, hydro- and
quad bike, jet ski, snowmobile, boat, motorboat, etc., if:
.
- The Insured (the Insured person) drove the vehicle without a proper driving licence
- The Insured (the Insured person) was driving under the influence of alcohol, drugs or toxic substances, or under the influence of psychotropic and toxic substances; The Insured (the Insured person) has transferred driving to another person who does not have a relevant driving licence;
- The Insured (the Insured person) was in the vehicle as a passenger, except for public transport driven by a person under the influence of alcohol, drugs or toxic substances or under the influence of psychotropic and toxic substances;
- The Insured (the Insured person) has neglected and failed to use safety (protection) means both
together or separately, such as: seat belt, helmet, helmet, life jacket, as well as other
safety equipment provided for by the rules of operation of the vehicle;
No compensation is payable for damages caused by the following reasons
- inattention or gross negligence of the Insured (the Insured person);
- inadequate packing (sealing) or sending the baggage in damaged condition;
- special properties or natural qualities of the insured baggage, normal wear and tear, natural deterioration of quality, mould; electrical or mechanical malfunctions of audio or video equipment, etc;
- breakage or damage of products made of faience, porcelain, glass, musical instruments and other fragile items;
- damage caused by acids, paints, aerosols, medicines and any liquids carried in the baggage;
- other events and cases specified in section 4 of chapter 1 of Annex 1 to the Offer.
- The Insurer shall not make insurance payments related to compensation for non-pecuniary damage.
The Agreement does not apply to:
.
- fur products, jewellery, printing devices, cinema, photo, video equipment, laptops, mobile phones, etc. and any accessories thereto;
- jewellery, securities, cash, bank payment cards and funds on accounts;
- precious metals, precious and semi-precious stones;
- antique and unique items, works of art and collectibles;
- travel documents, any types of documents, slides, photographs, film copies;
- manuscripts, plans, diagrams, drawings, models, business papers;
- any types of prostheses, contact lenses;
- wrist and pocket watches;
- Animals, plants and seeds, food;
- vehicles, motorcycles, bicycles, air and water transport, as well as spare parts for them;
- items of religious worship;
- personal care products, decorative cosmetics
.
At the same time, the following are recognised
- collections - a set of any homogeneous items (stamps, calendars, badges, plants, etc.) of scientific, historical, artistic interest, or collected for amateur purposes;
- unique - one-of-a-kind, exceptional in its qualities or of great rarity products, works of art;
- antique - ancient items of great artistic or other value;
- spare parts - any units, parts, components and accessories for vehicles,
mechanisms, electronic equipment, etc.
The following are also independent grounds for refusal to make insurance payment
● intentional actions or omissions of the Insured (the Insured person) aimed at occurrence of the insured event, except for actions taken in a state of emergency or necessary self-defence (without exceeding its limits) or cases determined by law or international customs;
● commission by the Insured (the Insured person) of an intentional criminal offence that has led to the occurrence of the insured event;
● submission by the Insured, the Insured person or the person in whose favour the insurance payment is to be made, of knowingly false information about the object of insurance, location of the Insured (the Insured person) as of the date of conclusion of the insurance contract, or about the fact and causes of the insured event. The proof of the location of the Insured (the Insured person) on the date of concluding the contract shall be the relevant border crossing stamps in the passport for travelling abroad;
● creating obstacles to the Insurer in determining the circumstances, nature and amount of losses;
● untimely notification of the Insurer of an insured event without valid reasons and/or failure of the Insured (the Insured person) to fulfil its obligations under the contract or legislation, if this has resulted in the Insurer's inability to establish the fact, causes and circumstances of an insured event or the amount of damage (loss);
● failure to timely submit to the Insurer a written application for insurance indemnity and other documents specified in the insurance contract;
● failure to comply with the Insurer's instructions in the process of settlement of an insured event;
● diseases resulting from mental reaction to military events, internal disturbances, terrorist act, air crash, natural phenomena or fears related to such events;
● chronic, except if such events are provided for in the terms and conditions of the insurance product, and mental illnesses, even if they are detected for the first time or occur periodically;
● insurance of persons over the age limit or insurance of persons without application of extra charges;
● performance by the Insured (the Insured person) of any type of physical work, active tourism, sports and extreme sports, if such risks have not been insured and the relevant premiums have not been applied;
● other cases stipulated by the current legislation of Ukraine.
Limits of liability for risks under class 18:
.
Unless otherwise specified in the individual part of the insurance contract:
the limits of liability for risks under class 18 are 100%, except for the following risks:m
- under the insurance risk ‘emergency dental care’ the limit of insurance payment not exceeding 1% of the sum insured
- under the insurance risk ‘compensation for the cost of telephone services’ the insurance indemnity limit does not exceed UAH 100 of the currency of the sum insured
- under the insurance risk ‘funeral services for the burial of the body at the place of death’, the insurance indemnity limit does not exceed 10% of the sum insured
- for the insurance risks ‘medical care for sunburn, allergies’, ‘medical care for diseases or injuries of detainees due to and/or in the state of alcohol intoxication’, ‘payment for transportation after treatment in a hospital’, ‘payment for fixation means’ of the programme B, the insurance indemnity limit does not exceed 10% of the sum insured
- for the insurance risks ‘search and rescue of the Insured Person’, ‘exacerbation of chronic diseases’, ‘pregnancy and childbirth up to 31 weeks, newborn care’, the insurance indemnity limit does not exceed 20% of the sum insured
- for the insurance risk associated with alcohol consumption, the limit of insurance payment is provided not exceeding 10% of the sum insured
- for the insurance risk related to payment for accommodation - up to UAH 1000 per day, but not more than 5 days
- for insurance risks related to travelling by private car under programme C, the limit of payment is up to UAH 10,000 under the contract as a whole
If medical expenses in the amount of more than UAH 5000 are not agreed with the Assistance Company, the Insurer shall pay out in the amount not exceeding UAH 5000
.
limits of liability for risks under class 1:
.
Limits of liability for class 7:
.
100% of the sum insured
The Insured (the Insured person) within 30 calendar days from the event that occurred earlier, namely the end of the trip during which the insured event occurred or the expiry of the insurance period, shall submit to the Insurer an application for insurance payment in the form established by the Insurer, which can be downloaded from the Insurer's website.
The application for payment of insurance indemnity shall be accompanied by:
.
- insurance contract;
- a duly certified copy of the Insured's (the Insured person's) national passport (all pages with stamps) or ID card;
- a duly certified copy of the certificate of identification number assignment to the Insured (the Insured person);
- a duly certified copy of the document confirming the place of registration of the Insured (the Insured person) (for ID cards);
- in case of death of the Insured (the Insured person) as a result of an accident - duly certified copies of the Beneficiary's national passport and certificate of assignment of an identification number; copy of the death certificate; original or notarised copy of the certificate of inheritance;
- in case of insurance payment to the legal representative (guardian) - duly certified copies of the national passport of the legal representative (guardian) and certificate of identification number, birth certificate of the Insured Person; document confirming the establishment of guardianship over the Insured Person;
- bills for telephone calls with the Insurer, which indicate the telephone number and cost of each call;
- a medical document (on a letterhead or with the appropriate stamp of the medical institution of the country of travel) on receiving medical care during the trip with the following information: patient's name, exact diagnosis, date of seeking medical care, duration of treatment, detailed information on medical services provided, diagnosis, prescribed medicines with indication of their quantity and cost, as well as information on the Insured's (the Insured person's) condition regarding alcohol, drug or toxic intoxication;
- bills, receipts for payment for medical services and/or purchase of medicines;
- in case of injury or road traffic accident - official protocol or certificate of the event drawn up at the place of travel, which must contain the following information: officials certifying the fact of the event and their authority to perform such actions; addresses and/or telephone numbers of persons certifying the fact of the event; detailed description of the circumstances of the event and the role of the Insured (the Insured person) in it; state of the Insured (the Insured person) in relation to alcohol, drug or toxic intoxication;
.
additionally by class 1 (accident insurance)
.
- in case of continuation of treatment after returning from a trip - a certificate from a medical institution from the place of permanent or predominant residence or place of registration in Ukraine, indicating the name of the Insured person, diagnosis, date of treatment and duration of treatment (except for the period of rehabilitation treatment), certified by the signature, seal of the responsible person (attending physician) and stamp of the medical institution;
- in case the policyholder (the insured person) is diagnosed with primary disability as a result of an accident that occurred during the trip, the conclusion of the medical and social expert commission on the diagnosis of primary disability of the insured person as a result of an accident or a notarised copy thereof;
- in case of death of the insured (the insured person) as a result of an accident - duly certified copies of the beneficiary's national passport and certificate of assignment of an identification number (taxpayer's card); copy of the death certificate; original or notarised copy of the certificate of inheritance;
.
Taking into account the circumstances of the event, the Insurer shall have the right to require additional documents to confirm the fact and circumstances of the insured event and to determine the amount of insurance indemnity.
All documents, except for the application, may be submitted to the Insurer within three years from the date of the event.
The documents shall be submitted to the Insurer in Ukrainian.
All documents submitted to the Insurer shall be legibly written or printed on letterheads and bear signatures of officials with appropriate seals, as well as the name, address and contact telephone number of the issuing institution (person). Invoices (bills, invoices) and financial documents confirming the fact of payment (cheques, receipts, warrants, etc.) must be submitted in the original.
Documents for receiving insurance payment shall be submitted (sent by post) directly to the Insurer's office in paper form in original (except for those for which it is specified to submit copies (including notarised copies).
All documents, information and evidence shall be provided to the Insurer free of charge.
Insurance payments shall be made by bank transfer.
Insurance payments shall be made exclusively in the territory of Ukraine in UAH.
The decision on insurance payment or refusal to pay shall be made by the Insurer within 20 (twenty) working days from the date of receipt by the Insurer of all necessary documents submitted in accordance with the terms and conditions of the contract.
The Insurer shall pay the insurance indemnity within 5 (five) banking days after making a decision to pay the insurance indemnity.
If there are grounds for doubting the validity (legitimacy) of the insurance payment, the Insurer may postpone the decision on payment until the reasons for such doubts are confirmed or refuted for a period not exceeding 45 (forty-five) business days.
The Insurer shall notify the Insured (the Insured person, the Beneficiary) in writing of refusal to pay insurance indemnity or decision to postpone the decision on payment of insurance indemnity to the email address specified in the application for insurance indemnity within 5 (five) business days from the date of decision making, setting out the motivation for the decision or justification of the reasons for refusal, and then send the decision by mail.
.
For class 18, the insurance indemnity shall be calculated based on the following:
.
Under Class 18 risks, the Insurance indemnity for payment of medical or other services provided for in the insurance terms and conditions arranged by the Insurer for the Insured (the Insured person) shall be paid by the Insurer without the participation of the Insured person on the basis of invoices issued to the Insurer.
If medical assistance to the Insured (the Insured person) was provided without participation of the Insurer's Assistance Company and/or the medical institution refuses to receive full or partial guarantee from the Assistance Company, the Insured (the Insured person) shall bear such expenses independently and apply to the Insurer for reimbursement.
Deductible (if applicable) shall be deducted from the amount of insurance indemnity
.
For class 1, the insurance indemnity shall be calculated based on the following:
.
For class 7, the insurance payment is calculated based on the following:
.
The amount of loss is determined for each item (piece of baggage) separately. The maximum sum insured for baggage and limits of insurance payments are indicated in the individual part of the Offer. The amount of loss shall be determined based on the actual value of the item, limits of insurance payments and the amount of the sum insured for baggage insurance in general.
If the damaged item can be repaired for the purpose of further use for its intended purpose, the amount of damage shall be deemed to be the cost of repair. If the cost of repair exceeds the value of the item itself or the sum insured specified in the contract, the indemnity shall be paid within the value of such item, but not more than the sum insured.
If the lost luggage has been returned to the Insured (the Insured person), he/she shall return to the Insurer the insurance indemnity received less the costs of repair (if necessary) of the returned item related to the insured event. The difference in insurance indemnity shall be returned by the Insured (the Insured person) not later than 15 (fifteen) calendar days after returning the baggage.
If the Insured (the Insured person) has received compensation from third parties for lost or damaged baggage or a part thereof, the Insurer shall pay the difference between the amount to be indemnified and the amount received from third parties.
In case of loss of individual items included in a set, set, etc., the amount of loss shall be determined as the difference between the actual value of the set, set, etc. and the value of the items that have been preserved
Deductible (if applicable) is deducted from the amount of insurance indemnity
Late notification of an insured event without valid reasons may be an independent ground for refusal of insurance payment.
Failure to coordinate expenses (regardless of the amount) with the Assistance Company related to medical transportation of the Insured (the Insured person), ritual rescue services, search operations and other expenses, if such coordination is provided for by the terms and conditions of the insurance product, shall be an independent ground for denial of insurance payment.
If medical expenses exceeding UAH 5,000 are not agreed upon with the Assistance Company, the Insurer shall pay out in the amount not exceeding UAH 5,000.
In case of non-payment of the insurance premium in the amount and within the terms specified in the agreement, the agreement shall be deemed not concluded and the insurance cover shall not be valid.
The product is not additional to other non-insurance goods, works or services.
Discounts are not applicable for this product, there are no promotional offers.
